What's the Average Cost of Car Insurance in Boston?
Whether you are heading out for a weekend in the beautiful New England countryside or you're fighting the traffic around Fenway, you'll need to make sure that your vehicle has the right insurance coverage. The state of Massachusetts requires that minimum amounts of liability coverage be in effect for all drivers, which includes bodily injury liability and property damage liability. Also, as a no-fault state, Massachusetts also mandates that drivers care personal injury protection, also known as PIP coverage.
Unfortunately, Boston is known for its expensive insurance premiums, as its mean premium surpasses the state average by 30%. As such, if you want to keep your vehicle adequetally covered, you'll want to know how to find cheap car insurance in Boston. We've analyzed how auto insurance rates in Boston compare to costs nationwide and looked at some of the factors that can lead you to finding cheaper coverage.
CAR INSURANCE PRICES: BOSTON VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Boston Car Insurance Premiums by Age
Age is one factor that is out of your control (unless you wait, of course). However, knowing how an insurance company views age groups can help you better understand some of their important rating factors. Obvious factors such as experience and maturity level can play a part in how much you will pay for your policy. So which group is going to find it hardest to get cheap car insurance?
BOSTON CAR INSURANCE PRICES BY AGE
Boston Car Insurance for High-Risk Drivers
How you drive is important to car insurance companies as they put together your insurance policy. Your driving record can have a tremendous impact on what you pay for your coverage. If you have had past accidents that have caused property damage or injury, your insurance company is far more likely to see you as a liability. This goes for infractions such as moving violations and DUIs as well, which can seriously affect your car insurance rates. But just how much can your driving record impact the cost of your coverage?
Past accidents and violations can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. $1,447 is the extra cost per year for drivers with a DUI in Boston, compared to the city average of $1,594. Reckless driving will bump your rates up as well, with typical rates of $3,119! For individuals in Boston with at-fault accidents in which damages exceeded $2,000, rates are an average of 34% more than at-fault accidents with damages less than $1,000. Essentially, if you are looking for affordable car insurance, make sure to keep your driving record as clean as possible.
AVERAGE BOSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,028|
|At-fault Accident (damages greater than $2,000)||$2,722|
|Speeding Ticket (16-20 mph over speed limit)||$2,023|
* Credit score, while used in other states, is considered discriminatory in Massachusetts and thus is not used as a rating factor when determining how much you'll pay for auto insurance.
* Insurance rates aren't affected by either marital status or gender in Boston.
What drives up car insurance rates in Boston?
Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From zip code 02467 to 02119, premiums rise by 47 percent—that’s $699.
Expensive Boston Zip Codes: 02126, 02125, 02121, 02120, 02119
Cheap Boston Zip Codes: 02467, 02108, 02217, 02222, 02196
Boston Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Boston Agents
Inland Underwriters Insurance Agency
One 13th St Boston, MA 02129
MassDrive Insurance Group
241 A Street Boston, MA 02210
Flynn Insurance Agency Inc
30 Park Street Boston, MA 02129
The average Bostonian's annual cost of coverage
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